An in falling observer is a non accelerating observer by definition. An in falling observer is inertial. You are viewing the world from a newtonian perspective. The proper acceleration of an inertial observer, is 0, an observer acting under only gravity is inertial, they are following a geodesic, that’s literally why they are falling. This is essentially what the equivalence principle is telling you. There is no “gravitational force “ pulling you.

In Kruskal-szekeres coordinates you can clearly see the event horizon is not defined for the in falling observer. The event horizon is not defined for observers following a geodesic

You are getting confused here, for reference my specialism is in general relativity, this is the field of research i do.